I specialize in Kentucky First Time Homebuyers FHA, VA, USDA & Rural Housing, KHC and Fannie Mae mortgage loans. I have helped over 900 Kentucky families buy their first home and refinance their current mortgage for a lower rate; Kentucky First time buyers $0 down still available with down payment assistance with KHC. Free Mortgage applications same day approvals. Web site is not endorsed by the FHA, VA, USDA govt agency. Text/call 502-905-3708 kentuckyloan@gmail.com NMLS 57916 NMLS ID 1364
Louisville Kentucky VA Home Loan Mortgage Lender: 100% Financing on a Kentucky VA loan Cash Out Refi...
Louisville Kentucky VA Home Loan Mortgage Lender: 100% Financing on a Kentucky VA loan Cash Out Refi...: Who is eligible for Kentucky VA loans? Kentucky VA loans are available to veterans of the United States Armed Forces, including...
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.
I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues.
You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.
Kentucky USDA Rural Housing Loans : Difference Between 502 Guarantee Loan and Direct L...
Kentucky USDA Rural Housing Loans : Difference Between 502 Guarantee Loan and Direct L...: DIFFERENCES BETWEEN THE SECTION 502 GUARANTEED AND DIRECT LOAN PROGRAMS IN KENTUCKY The important differences between the Kentucky Secti...
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.
I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues.
You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.
Title Insurance For your Home: Do you need an Owner’s and Lender’s Title Policy? | Equifax Finance Blog
Title Insurance For your Home: Do you need an Owner’s and Lender’s Title Policy? | Equifax Finance Blog
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What is title insurance, and why buy it?
The primary role of a title insurance company is to research the legal history of the property in order to anticipate any potential problems and resolve them before you close on the purchase. After you close, a title insurance policy continues to protect against any claims on your property that were not found before closing.
There are two types of title insurance: Lender’s title insurance and owner’s insurance title. Lender’s insurance is a requirement if you are getting a loan. An owner’s title insurance policy is technically an option, but most real estate attorneys recommend their clients purchase one.
Your lender will require you to buy title insurance to protect it if a problem were to arise regarding your legal right to the property. If you want the mortgage loan, you usually have no choice but to buy a lender’s title insurance policy for the amount of your loan that will benefit the lender should there be problems down the line.
However, if a problem with your title is discovered after you close, the lender’s title insurance policy does not usually protect you, the owner. Without your own owner’s title insurance policy and coverage, you could lose any equity you have in your home.
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I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.
I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues.
You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.
Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: Fannie Mae Waiting period for Foreclosures, bankru...
Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: Fannie Mae Waiting period for Foreclosures, bankru...: CONVENTIONAL FANNIE MAE KENTUCKY LOANS Derogatory Item Waiting Period Foreclosure Home given back to the bank – No owner parti...
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.
I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues.
You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.
Triad Guidelines for Kentucky Mortgage Loans FHA, VA, KHC, USDA, Fannie Mae Disclosures
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.
I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues.
You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.
100% Financing Zero Down Payment Financing Kentucky Mortgages Home loans for Ky First time buyers: Kentucky HUD Homes for Sale with the FHA $100 Down...
100% Financing Zero Down Payment Financing Kentucky Mortgages Home loans for Ky First time buyers: Kentucky HUD Homes for Sale with the FHA $100 Down...: Kentucky HUD Homes for Sale with the FHA $100 Down Program The appraiser identifies the repairs that are required to satisfy Kentucky ...
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.
I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues.
You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.
New Kentucky FHA Mortgage insurance Chart for 2015 with Changes effective Jan 26, 2015
New FHA MIP Chart for Kentucky FHA loans for refinances and purchase loans effective January 26,2015.jpg)
Loan Purpose
|
Up-Front MI Premium
|
Endorsement Date of Current
FHA-insured Mortgage |
| Purchase, Rate/Term Non-Streamline Refinance, Cash Out Refinance |
1.75%
|
N/A
|
| Streamline Refinance |
1.75%
|
Endorsed on or after 06/01/2009
|
| Streamline Refinance |
0.01%
|
Endorsed prior to 06/01/2009
|
For Loan Terms > 15 years
| ||||
Loan Purpose
|
Base Loan Amount
|
LTV
|
Case Number Assigned on or After01/26/2015
|
Case Number Assigned6/03/2013–01/25/2015
|
| Purchase, Rate/Term, Cash-Out, or Streamline Refinance Endorsed on or after 06/01/2009 |
<=$625,500
|
<=95%
|
.80
|
1.30
|
<=$625,500
|
>95%
|
.85
|
1.35
| |
> $625,500
|
<=95%
|
1.00
|
1.50
| |
> $625,500
|
>95%
|
1.05
|
1.50
| |
| FHA Streamline endorsed prior to 06/01/2009 |
All Loan Amounts
|
All LTVs
|
0.55
| |
For Loan Terms <=15 Years
| |||
Loan Purpose
|
Base Loan Amount
|
LTV
|
Case Number Assigned
on and after 6/03/2013 |
| Purchase, Rate/Term, Cash-Out, or Streamline Refinance Endorsed on or after 06/01/2009 |
<=$625,500
|
<=90%
|
0.45
|
<=$625,500
|
>90%
|
0.70
| |
> $625,500
|
<=90%
|
0.70
| |
> $625,500
|
>90%
|
0.95
| |
| FHA Streamline endorsed prior to 06/01/2009 | |||
The length of time on which you'll pay mortgage insurance premiums on your FHA loan is as follows:
Mortgage Term
|
Loan to Value Ratio
|
Length of Mortgage Premium
|
|---|---|---|
15 years or shorter
|
Up to 90%
|
11 years
|
15 years or shorter
|
Greater than 90%
|
Full loan term
|
Greater than 15 years
|
Up to 90%
|
11 years
|
Greater than 15 years
|
Greater than 90%
|
Full loan term
|
Source: HUD.gov.
Fill out my form!
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.
I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues.
You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.
How do same-sex marriages affect your mortgage closings in Kentucky?
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Fill out my form!
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.
I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues.
You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.
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